The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,562
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$776/mo
Today · 4.125%
HK$26,102
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,204/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$743/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$932/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$893/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,387
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,456
−HK$1,087/mo
Today · 4.125%
HK$36,543
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,086/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,255
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,281
−HK$1,041/mo
Today · 4.125%
HK$40,322
baseline
▲ 0.50% · 4.625%
HK$42,447
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,644/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,212
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,397/mo
Today · 4.125%
HK$46,984
baseline
▲ 0.50% · 4.625%
HK$49,843
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,968/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,185
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,338/mo
Today · 4.125%
HK$51,842
baseline
▲ 0.50% · 4.625%
HK$54,575
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,684/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,936 · Scale 2, in force from 26 Feb 2026)